Enterprise Act 2002 (repealed)

Consumer Credit Act 1974 (c. 39)F2 U.K.

6 (1) The Consumer Credit Act 1974 is amended as follows.

(2) In section 1 (general functions of Director)—

(a) in subsection (1)—

(i) for “the Director General of Fair Trading (“the Director”)” there is substituted “ the Office of Fair Trading (“the OFT”) ”;

(ii) for “him” there is substituted “ it ”;

(iii) for “himself” there is substituted “ itself ”;

(b) in subsection (2)—

(i) for “Director” there is substituted “ OFT ”;

(ii) for “him” there is substituted “ it ”;

(c) in the sidenote, for “Director” there is substituted “ OFT ”;

and in the heading before that section, for “DIRECTOR GENERAL OF FAIR TRADING” there is substituted “ OFFICE OF FAIR TRADING ”.

(3) In section 2 (powers of Secretary of State)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) in subsections (1)(b) and (2), for “his” there is substituted “ its ”;

(c) in subsection (4), for “him” there is substituted “ it ”.

(4) In section 4 (dissemination of information and advice)—

(a) for “Director” there is substituted “ OFT ”;

(b) for “he”, “him” and “his” there is substituted “ it ”, “ it ” and “ its ” respectively.

(5) In section 6 (form etc. of applications)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) in subsection (3), for “him” there is substituted “ it ”.

(6) In section 7 (penalty for false information), for “Director” (in each place) there is substituted “ OFT ”.

(7) In section 22 (standard and group licences)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) in subsection (1)(b), for “his” and “he” there is substituted “ its ” and “ it ” respectively;

(c) in subsection (5), for “him” there is substituted “ it ”.

(8) In section 25 (licensee to be a fit person)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) in subsection (2), for “him” there is substituted “ it ”.

(9) In section 27 (determination of applications)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) in subsection (1)—

(i) for “he” (in both places) there is substituted “ it ”;

(ii) in paragraph (a), for “his” there is substituted “ its ”;

(c) in subsection (2), for “him” (in both places) there is substituted “ it ”.

(10) In section 28 (exclusion from a group licence)—

(a) for “Director” (in both places) there is substituted “ OFT ”;

(b) for “he” there is substituted “ it ”;

(c) in paragraph (a), for “his” there is substituted “ its ”.

(11) In section 29 (renewal)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) in subsection (2), for “his” there is substituted “ its ”.

(12) In section 30 (variation by request)—

(a) for “Director” and “he” (in each place) there is substituted “ OFT ” and “ it ” respectively;

(b) in subsection (4)(a), for “his” there is substituted “ its ”.

(13) In section 31 (compulsory variation)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) in subsection (1), for “he” (in both places) there is substituted “ it ”;

(c) in subsection (2)(a), for “his” there is substituted “ its ”;

(d) in subsection (3), for “he”, “his” and “him” there is substituted respectively “ it ”, “ its ” and “ it ” respectively;

(e) in subsection (4)(a), for “his” there is substituted “ its ”.

(14) In section 32 (suspension and revocation)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) in subsection (1), for “he” (in both places) there is substituted “ it ”;

(c) in subsection (2)(a), for “his” there is substituted “ its ”;

(d) in subsection (3), for “he”, “his” and “him” there is substituted “ it ”, “ its ” and “ it ” respectively;

(e) in subsection (4)(a), for “his” there is substituted “ its ”;

(f) in subsection (5), for “he” there is substituted “ it ”;

(g) in subsection (8), for “him” there is substituted “ it ”.

(15) In section 33 (application to end suspension)—

(a) for “Director” and “he” (in each place) there is substituted “ OFT ” and “ it ” respectively;

(b) in subsection (2)(a), for “his” there is substituted “ its ”.

(16) In section 34 (representations to Director)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) in subsections (2) and (3), for “his” there is substituted “ its ”.

(17) In section 35 (the register)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) in subsections (1) and (4), for “he” there is substituted “ it ”;

(c) in subsection (1)(c), for “him” there is substituted “ it ”.

(18) In section 36 (duty to notify changes)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) F1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

(19) In section 39 (offences against Part 3), for “Director” there is substituted “ OFT ”.

(20) In section 40 (enforcement of agreements made by unlicensed trader)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) in subsection (3)—

(i) for “he” (in both places) there is substituted “ it ”;

(ii) in paragraph (a), for “his” there is substituted “ its ”;

(c) in subsection (5), for “he” there is substituted “ it ”.

(21) In section 41 (appeals to Secretary of State under Part 3), in subsection (1), for “Director” there is substituted “ OFT ”.

(22) In section 49 (prohibition of canvassing debtor-creditor agreements off trade premises), for “Director” (in each place) there is substituted “ OFT ”.

(23) In section 60 (form and content of agreements), in subsections (3) and (4), for “Director” (in each place) and “he” (in each place) there is substituted “ OFT ” and “ it ” respectively.

(24) In section 64 (duty to give notice of cancellation rights), for “Director” (in each place) there is substituted “ OFT ”.

(25) In section 74 (exclusion of certain agreements from Part 5)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) in subsection (3A), for “he” there is substituted “ it ”.

(26) In section 101 (right to terminate hire agreement), in subsection (8), for “Director” (in each place) and “he” there is substituted “ OFT ” and “ it ” respectively.

(27) In section 113 (Act not to be evaded by use of security), in subsection (2), for “Director” there is substituted “ OFT ”.

(28) In section 148 (agreement for services of unlicensed trader)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) in subsection (3)—

(i) for “he” (in both places) there is substituted “ it ”;

(ii) in paragraph (a), for “his” there is substituted “ its ”;

(c) in subsection (5), for “he” there is substituted “ it ”.

(29) In section 149 (regulated agreements made on introductions by unlicensed credit-broker)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) in subsection (3)—

(i) for “he” (in both places) there is substituted “ it ”;

(ii) in paragraph (a), for “his” there is substituted “ its ”;

(c) in subsection (5), for “he” there is substituted “ it ”.

(30) In section 159 (correction of wrong information), for “Director” there is substituted “ OFT ”.

(31) In section 160 (alternative procedure for business consumers)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) in subsection (1), for “he” there is substituted “ it ”.

(32) In section 161 (enforcement authorities)—

(a) for “Director” (in each place) there is substituted “ OFT ”;

(b) subsection (2) (requirement to notify Director of intended prosecution) is omitted;

(c) in subsection (3), for “he” and “him” there is substituted “ it ”.

(33) In section 162 (powers of entry and inspection), in subsection (5), for “Director” there is substituted “ OFT ”.

(34) In section 166 (notification of convictions and judgments to Director), for “Director” (in each place), “Director’s” and “his” there is substituted “ OFT ”, “ OFT’s ” and “ its ” respectively.

(35) In section 170 (no further sanctions for breach of Act), for “his”, “Director” and “him” there is substituted “ its ”, “ OFT ” and “ it ” respectively.

(36) In section 173 (contracting-out forbidden), in subsection (3), for “Director” there is substituted “ OFT ”.

(37) In section 183 (determinations etc. by Director), for “Director” (in both places) and “him” there is substituted “ OFT ” and “ it ” respectively.

(38) In section 189 (general interpretation provisions)—

(a) in subsection (1)—

(i) the definition of “Director” shall cease to have effect;

(ii) in the definition of “general notice”, for “Director” and “him” there is substituted “ OFT ” and “ it ” respectively;

(iii) after the definition of “notice of cancellation” there is inserted—

““OFT” means the Office of Fair Trading;”;

(iv) in the definition of “register”, for “Director” there is substituted “ OFT ”;

(b) in subsection (5), for “Director” (in both places) there is substituted “ OFT ”.

(39) In section 191 (special provisions as to Northern Ireland)—

(a) for “Director” (in both places) there is substituted “ OFT ”;

(b) in subsection (1), for “his” and “him” there is substituted “ the OFT’s ” and “ the OFT ” respectively.

(40) In Schedule 1 (prosecution and punishment of offences), in the entry relating to section 7, for “Director” there is substituted “ OFT ”.

Textual Amendments

F1 Sch. 25 para. 6(18)(b) repealed (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. 70, 71, Sch. 4 (with Sch. 3 para. 27(3)); S.I. 2007/3300, art. 3(2), Sch. 2

Textual Amendments applied to the whole legislation

F2 Act: for the words "solicitor of the Supreme Court of Northern Ireland" wherever they occur there is substituted (prosp.) the words "solicitor of the Court of Judicature of Northern Ireland" by virtue of Constitutional Reform Act 2005 (c. 4), ss. 59, 148(1), Sch. 11 para. 5 [Editorial Note: this amendment will be carried through into the text of the Act at the same time as any other effects on the Act for the year in which the relevant commencement order (or first such order) is made]